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What happens when a customer writes the credit card rules instead of the bank? Pure chaos. A Russian man named Dmitry was offered a card at 12.9% interest. But the fine print revealed it was actually 45% — a classic hidden trap. Instead of falling for it, Dmitry flipped the game. He scanned the agreement, rewrote it with his own terms — 0% interest, unlimited limit, and penalties on the bank if they broke rules — and sent it back. The bank, without checking, signed and stamped it! For two years,
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